Health Insurance Fiasco

I have Blue Cross Blue Shield of Tenneesee PPO even though I live in California because my company is owned by another company based out of TN. My ob, and MFM, and everyone this pregnancy seems incapable of understanding this and bill Blue Cross of California, which of course denies all claims.

Then I get all these bills! So I call and tell them they are billing the wrong insurance, but they keep insisting they need a POBox for billing. My insurance has an actual address for billing, no PO Box! I'm started to get worried they don't actually accept my insurance! Which they told me they did, but that was over the phone when my insurance changed not something I have in writing!

Argh. I don't want to have to find a new ob. I love my ob! I'm actually looking for a different MFM so that's no loss but this entire thing is stressing me out!

I am sorry. During my pregnancy, several of my claims were denied because they mixed up my bday with Dh's. Then, once the twins were born, someone didn't understand the concept of twins and paid all of baby A's bills, but denied Baby B's saying they had already been paid- AND we have boy/girl twins??? It is crazy, but I am sure with some time, phone calls, (and possibly a headache) it can be cleared up.

We had a similar issue with our ODS, it was a huge fiasco that didn't get fixed for more then a year and completely ruined our credit. The only issue was they were billing everything to the wrong address. We took the card to every appointment, faxed the card to everyone to make sure they had the right info, talked to supervisors and managers. I couldn't believe the amount of incompetance that was inlvolved! It was all due to a billing address!

What was worse was that when we went to the doctor we signed the appropriate paper work that states that we are liable for all charges regardless of insurance. So when our son was in the NICU and racked up a ridiculous amount of money and we could not afford to pay the entire bill, and the hospital reported them all as collections on our credit. Once everything was figured out and paid, the status of the collection was changed to "paid" on our credit report but the collections were not removed. It has been 5 years now and things are much better but it was really devestating at the time.

I changed my insurance to my husband once the babies came because it make more senses for us to join his under a family policy.

Omg!!! I got so many bills and I am still dealing with them.
Bot babies wete in nicu so we got more headche with that. they bill theinsurance without identify which baby they are charging for so of course the claim get deny.
I feel like we are being punish for having twins. Argh!!!

If I can give one tip, it is DO NOT CHANGE YOUR INSURANCE after delivery because insurance billin people are incompetent and they will manage to screw up and screw you in every way you can and can't imagine